Milford, OH · Cert 35117
FDIC · 3 branches
Q1 2025
Market Position · Cincinnati, OH-KY-IN · 2024 SOD (annual) · 0.1% share · #24 of 57 inst. · $0.3B of $179.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.99% | 0.94% | 0.60% | 0.64% | 0.76% | 0.91% | 0.93% | +33 bps | |
| Return on Equity | 9.44% | 9.21% | 8.75% | 5.59% | 6.09% | 7.27% | 8.67% | 8.72% | +313 bps | |
| Net Interest Margin | 3.35% | 3.15% | 3.03% | 2.76% | 2.80% | 2.81% | 2.99% | 3.48% | +71 bps | |
| Efficiency Ratio | 66.33% | 66.77% | 67.30% | 73.75% | 72.73% | 69.12% | 65.53% | 65.89% | -786 bps | |
| Non-Interest Burden | 2.05% | 1.95% | 1.88% | 1.93% | 1.93% | 1.82% | 1.82% | 2.18% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.52% | 14.89% | 7.34% | 9.14% | 11.14% | 14.75% | 10.16% | 7.26% | -187 bps | |
| Loan Growth (YoY) | 13.89% | 15.52% | 12.90% | 14.78% | 13.60% | 11.85% | 12.41% | 8.53% | -625 bps | |
| Deposit Growth (YoY) | 4.81% | 27.32% | 20.06% | 18.59% | 13.79% | 11.97% | 10.86% | 11.46% | -713 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.04% | 0.02% | 0.32% | 0.00% | 0.22% | 0.52% | 0.52% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.27% | 1.26% | 1.23% | 1.22% | 1.21% | 1.20% | 1.23% | 0 bps | |
| Allowance Coverage of NPLs | 8.4x | 33.9x | 68.2x | 3.9x | n/a | 5.5x | 2.3x | 2.4x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.40% | 12.08% | 11.69% | 11.63% | 11.43% | 11.11% | 11.36% | 11.58% | -6 bps | |
| Total Risk-Based Capital | 12.40% | 12.08% | 11.69% | 11.63% | 11.43% | 11.11% | 11.36% | 11.58% | -6 bps | |
| Equity / Assets | 11.02% | 10.59% | 10.70% | 10.59% | 10.45% | 10.26% | 10.55% | 10.78% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.24% | 102.58% | 105.76% | 112.19% | 114.05% | 102.47% | 107.24% | 109.24% | -295 bps | |
| Liquid Assets / Assets | 0.33% | 0.29% | 0.27% | 0.22% | 0.28% | 0.34% | 0.26% | 0.09% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |